In India, people with disabilities (PwDs) do not have easy access to quality healthcare services. As per the census conducted in 2011, there are 2.68 crores of people who are disabled. Because of their condition, they experience risks of poor health and have higher medical expenses. Hence, for them, provisions like health insurance are essential to enable them to live their life on their terms. It allows them to have access to expensive healthcare treatment.
Just like everybody else, people with disabilities also need access to healthcare. Getting health insurance for disabled person is a way in which you can assure them financial assistance. Here we tell you what things a disabled person should keep in mind before buying a health cover.
Some health insurers like Care Health Insurance (Formerly known as Religare Health Insurance) offer health insurance for differently-abled. To give support to such people, the government has introduced some health schemes; but, they cover only specific treatment and ailments. Care Health Insurance has made it simple for such people to opt for medical insurance just like other people.
Things to Keep in Mind When Buying Health Insurance for Differently-Abled
When buying health insurance for differently-abled, it is essential to keep the following things in mind:
- Tax Benefits: A disabled person can avail of the tax benefits under Section 80U and Section 80DD of the income tax act. As per the former section, an individual with disability is designated to receive a tax deduction of Rs. 75,000; while an individual with severe disability i.e. disability of 80% or above can avail a deduction of Rs. 1,25,000. As per Section 80DD, the immediate family members of the disabled person can claim deductions. The supporting family will get a deduction of Rs. 75,000, providing coverage to the disabled. They get a tax deduction of up to Rs. 1,25,000 if the dependant has severe disability.
- Information to be Disclosed: When filing the form, the differently-abled persons should disclose their disabilities in detail and must provide all the documents required if needed, subject to underwriting.
- Current Medical Condition: This is the most crucial factor the health insurer should consider before you buy health insurance for disabled person. At Care Health Insurance, people with disabilities are eligible for the health cover; however, the policy will be issued on the basis of teleunderwriting and degree of disability.
- Opt for an Adequate Sum Insured: This is another essential factor that should be kept in mind for buying health insurance for disabled adults. The person opting for a health cover should keep in mind the expenses likely to be incurred by him and must choose a suitable sum insured.
One must opt for health cover that provides necessary coverage to the differently-abled. At present, a differently-abled person can opt for a health cover by proving his or her degree of disability. Care Health Insurance helps differently-abled individuals by offering them affordable health cover for their security. If you have someone in your family who is specially-abled, then you must secure them with medical insurance. Now that you know how to opt for health insurance for disabled adults, you must make a prompt decision. It is vital to safeguard their health and let them also experience happiness in life.